Financial Technology and Bank Risk: A Cross Country Study

Nugroho Saputro, Ariyanto Adhi Nugroho and Irwan Trinugroho

A chapter in Recent Developments in Asian Economics International Symposia in Economic Theory and Econometrics, 2021, vol. 28, pp 367-375 from Emerald Group Publishing Limited

Abstract: Financial technology has been growing significantly over the last few years all around the world. In this chapter, we study the impact of financial technology on the risk and performance of commercial banks as the incumbent in the industry. The authors combine a cross-country dataset resulting in 336 country-year observations. The authors find that financial technology, more particular the growing of adoption in mobile money, has been considered to increase the risk of banks. However, the authors do not find any evidence that the performance of commercial banks has significantly eroded by the presence of financial technology.

Keywords: Fintech; banking; risk; performance; mobile money; cross country (search for similar items in EconPapers)
Date: 2021
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Persistent link: https://EconPapers.repec.org/RePEc:eme:isetez:s1571-038620210000028021

DOI: 10.1108/S1571-038620210000028021

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